Born and raised in San José, California. Family from Mexico. Studying computer science + international relations at Stanford. I founded NaLi because ~70% of Peru works informally, pays their bills, runs real businesses, and banks can't see any of it. That's a systems problem, and systems problems are fixable. We built it, shipped it, and proved it on a live cohort.
Otherwise: intramural volleyball captain, Ballet Folklórico dancer, founder of Stanford's Migrant Farmworker Drive.
Underwriting infrastructure for informal SMEs · 2025–26
Alt-data underwriting for LATAM lenders. Ingestion connectors normalized Yape/Plin flows, bureau pulls, and device/psychometric signals into a feature store. Linear regression with signed coefficients scored borrowers on a 300–900 scale, served via a decision API: approve/decline, limit, term, reason codes. Evaluated on AUC/Gini against a live Lima cohort. Founder & CEO.
AI/ML Intern · J.P. Morgan's Commercial & Investment Bank
Post-trade teams manage settlement data across internal systems, counterparties, custodians, and documents. When records are incomplete or inconsistent, ops teams must investigate, resolve, and track the trade through settlement. I'm exploring how agentic workflows can consolidate information, detect mismatches, classify exceptions, and recommend next steps, with humans in control of final decisions.
A few other things I've done, briefly.
Published in San José Spotlight: "Arriola: Cindy Chavez Versus the Concrete Ceiling" (Feb 2023)